if your employer doesn't provide you with healthcare, they are going to be hit with a penalty. also, the amt tax patch, if they don't fix that, then -- alternative minimum, and that will not us. about people in the middle class who never thought they are going to get hit, they are going to find out they are well think. those are a couple things that are going to hit a number of people in this country. >> charles, let me go through it real quick and let you respond to each and every one of them, if i can. the first one will be, of course, the doc fix that kerry was just talking about. it would also mean capital gains where the capital gains rate will go as high as 55% for many americans -- i'm sorry, it will go up to 20% from 15%. estate tax goes to 50%. obamacare taxes for many individuals will be .9% on those earning over $200,000. that's another full percentage point. also we have a penalty tax will be imposed on the individuals. and also some employers. then on top of that we have, as kerry mention the, the alternative minimum tax patch. so we have five huge consequences rig